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  Previous Index  Next  Section 2 - Issuers
Can Issuers brand ActiveCheckout? Yes. GPayments can provide an issuer with a branded version of ActiveCheckout which can be distributed from their Internet banking site for their cardholders.
When will issuers be able to use ActiveCheckout to start supporting MasterCard SPA? Following the upgrade of Banknet to support UCAF and implementation of an ActiveCheckout compatible interface. GPayments' ActiveAccess comes pre-bundled with an ActiveCheckout interface. Could ActiveCheckout be upgraded to support other UCAF-based authentication schemes in the future (e.g. chip card purchases)? Yes. When will issuers be able to support Verified By Visa? Following implementation of GPayments' ActiveAccess or signing up to the Verified By Visa Service. If I am an issuer that currently uses the Verified By Visa service can I use ActiveCheckout for MasterCard SPA compliance? Yes.
Do Issuers have to use ActiveAccess to provide MasterCard SPA authentication via ActiveCheckout? No. GPayments provides the ActiveCheckout interface specification, which can be used to develop an ActiveCheckout compliant interface in conjunction with the issuer's existing SPA Wallet Server. Do Issuers have to use ActiveAccess for Verified by Visa? No.
What are the benefits of using ActiveAccess for Verified by Visa and MasterCard SPA? A single registration process for cardholders, especially cardholders who have both MasterCard and Visa cards from the same issuer. Consolidated reporting of all authenticated Internet transactions under both authentication schemes. Can an issuer use the Verified By Visa service and ActiveAccess/ActiveCheckout for SPA compliance? Yes.
Why doesn't GPayments provide different applets for specific issuers? Many online consumers have multiple credit cards which should all be supported within one applet. Most issuers do not want to manage their own cardholder applets.
Is this a proprietary authentication network? No. GPayments fully supports MasterCard SPA and Verified by Visa.
Will ActiveCheckout support native authentication for Verified By Visa in the future? The Visa 3-D Secure protocol does allow issuers to define their own authentication technique for their cardholders. This opens the possibility for ActiveCheckout to support native authentications for Verified By Visa in the future.
What would be the benefit of native Verified By Visa authentications in ActiveCheckout? A consumer would not have to be redirected to their issuer during Verified By Visa transactions for password entry. A consumer who has Visa and MasterCard cards from different issuers would have exactly the same online purchasing experience for all online transactions.
Would this help form an interoperable network for the incompatible MasterCard SPA and Verified By Visa standards? Yes.
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